Nhọrọ mgbazinye na ebe obibi · Ihe 2 nke 2
Rent or Buy? Compare the Real Costs
A DC-area worked example that compares renting at $2,000 a month with buying a $320,000 condo, including the costs first-time buyers often miss and why the number of years you stay matters.
Mezue na ngwaọrụ a.
A sụgharịbeghị akụkụ nke nkuzi a n'asụsụ gị, n'ihi ya, a na-egosipụta ha n'asụsụ Bekee.
Na nkuzi a
Ihe ị ga-amụta
- List the monthly and one-time costs of owning a home and compare them with renting.
- Use a worked example to compare the total cost of renting and buying over several years.
- Explain why the number of years you plan to stay changes the answer.
- Use a readiness checklist to decide whether to start preparing to buy.
Kedu ka nke a si jikọọ na klaasị anyị: Our class covers housing needs and wants, the choice between renting and buying, and what you can afford. This lesson adds a DC-area worked example over five years, the costs first-time buyers often miss, a break-even table, and a readiness checklist.
Okwu ndị ị ga-amata
- Isi na mmasị (Principal and interest)
- Akụkụ abụọ nke ịkwụ ụgwọ mgbazinye ego. Onye isi na-akwụ ụgwọ ego ị gbaziri. Mmasị bụ ihe onye na-agbazinye ego na-akwụ gị ụgwọ ịgbazinye.
- Condo ma ọ bụ HOA na-akwụ ụgwọ (Condo or HOA fee)
- Ego kwa ọnwa nke ndị otu condo ma ọ bụ ndị nwe ụlọ na-akwụ ụgwọ maka ụgwọ ndị na-ekerịta, dị ka mmezi ụlọ, ebe a na-ahụkarị, na mgbe ụfọdụ mmiri ma ọ bụ ihe mkpofu.
- Private Mortgage Insurance (PMI)
- Mkpuchi ị nwere ike ịkwụ ụgwọ mgbe ị na-etinye ihe na-erughị 20% na mgbazinye ego. Ọ na-echebe onye na-agbazinye ego, ọ bụghị gị.
- Mmechi na-akwụ ụgwọ (Closing costs)
- Ego ị na-akwụ iji mezue ịzụta ụlọ, dị ka ụgwọ onye na-agbazinye ego, nyocha, mkpuchi aha, ụtụ isi gọọmentị, na ụtụ isi na mkpuchi.
- Ịha nhatanha (Equity)
- Akụkụ nke ụlọ gị ị nwere. Ọ bụ uru ụlọ ahụ na-ewepu ihe ị ka ji ụgwọ na mgbazinye ego.
- Break-even point
- Nke a na-eme ka ọnụ ọgụgụ zuru ezu nke ịzụta na-ebelata ọnụ ahịa nke ịzụta.
- Ịkwụ ụgwọ ala (Down payment)
- Akụkụ nke ọnụahịa ụlọ ị na-akwụ na ego na mbido. Ị na-agbaziri ndị fọdụrụ na mgbazinye ego.
- Itemize
- Iji depụta ụfọdụ ụgwọ, dị ka mmasị mgbazinye ego na ụtụ isi ihe onwunwe, na nloghachi ụtụ isi gọọmentị etiti gị iji belata ego ị na-akwụ ụtụ isi. Ị na-eme nke a kama ịkwụ ụgwọ ọkọlọtọ.
The full cost of owning a home
Many people compare their rent with a mortgage payment. That is not a fair comparison. A homeowner pays many costs that a renter does not:
- Principal and interest: the loan payment itself.
- Property tax: in DC, most homes are taxed at $0.85 for every $100 of assessed value each year. The assessed value is what the city or county says your home is worth for tax purposes. DC's homestead deduction lowers the tax for owners who live in the home. In Maryland and Virginia, the rate depends on the county or city where the home is.
- Homeowners or condo insurance: covers your home and belongings.
- Condo or HOA fee: this can go up over time. A condo association can also charge a one-time "special assessment" for a big repair, like a new roof.
- Private mortgage insurance (PMI): often required if you put less than 20% down on a conventional loan. A conventional loan is a regular mortgage that the government does not back. An FHA loan is backed by the Federal Housing Administration and lets you put down as little as 3.5%, but you pay mortgage insurance.
- Repairs and upkeep: when the water heater breaks, there is no landlord to call. Save for this every month.
Ihe Nlereanya
Monthly cost: renting vs. buying a condo in DC
Kwame and Ama rent a one-bedroom apartment in Brookland, in Northeast DC, for $2,000 a month. They are looking at a one-bedroom condo nearby for $320,000. They would put 5% down and borrow $304,000 for 30 years at a fixed rate of 7%. With a fixed rate, the interest rate and the loan payment stay the same for the whole loan. With an adjustable rate, they can change later. That is close to the average 30-year rate in Freddie Mac's weekly survey in late September 2026, which was 7.03% on September 24. Your rate may be higher or lower.
| Monthly cost | Rent | Buy |
|---|---|---|
| Rent | $2,000 | $0 |
| Renter's insurance | $15 | $0 |
| Principal and interest (7%, 30 years) | $0 | $2,023 |
| Property tax ($0.85 per $100, before any homestead deduction) | $0 | $227 |
| Condo fee | $0 | $450 |
| Condo owner's insurance | $0 | $30 |
| PMI | $0 | $125 |
| Savings for repairs | $0 | $100 |
| Total each month | $2,015 | $2,955 |
$320,000 × $0.85 ÷ $100 = $2,720 a year, or about $227 a month
In the first year, owning costs about $940 more each month than renting. The condo fee, insurance, PMI, and repair numbers are examples. Ask for the real condo fee and get insurance quotes for any home you consider.
Ego ị chọrọ tupu ị nweta igodo ahụ.
Ịzụta na-ewekwa nnukwu ego na mbido. N'ihe atụ, Kwame na Ama chọrọ:
- Ịkwụ ụgwọ: 5% nke $ 320,000 bụ $ 16,000.
- Ọnụ ego mmechi: ihe dị ka $ 9,000 na ihe atụ a. Onye na-agbazinye ego gị ga-enye gị atụmatụ mgbazinye ego n'ime ụbọchị azụmahịa atọ mgbe ị tinyechara akwụkwọ. Ọ na-egosi ezigbo ụgwọ mmechi gị.
- Ịkwaga na nrụzi mbụ ma ọ bụ arịa ụlọ: ihe dị ka $ 2,000.
$ 16,000 + $ 9,000 + $ 2,000 = $ 27,000 tupu ụbọchị ịkwaga
Ha kwesịkwara idobe ego mberede mgbe ha kwụrụ ụgwọ a niile. Mmemme na DC, Maryland, na Virginia nwere ike inyere ndị na-azụ ahịa oge mbụ aka na ịkwụ ụgwọ na mmechi. Lelee nkuzi anyị banyere enyemaka ịkwụ ụgwọ.
Site na iwu, ị nwere ike ịjụ onye na-ahụ maka mgbazinye ego gị na ederede ka ọ kagbuo PMI mgbe a na-ahazi ego mgbazinye ego gị iru 80% nke uru mbụ nke ụlọ ahụ, ma ọ bụrụ na ị na-ezute ọnọdụ ụfọdụ, dị ka ezigbo ndekọ ịkwụ ụgwọ. N'ihe atụ a, nke a na-ewe ihe fọrọ nke nta ka ọ bụrụ afọ 11.
Ihe Nlereanya
Afọ ise ka e mesịrị: Gịnị ka nhọrọ ọ bụla na-efu?
Ugbu a, chee na Kwame na Ama ga-akwaga mgbe afọ ise gachara. Anyị na-eche na mgbazinye ego na-arị elu 3% kwa afọ, ụgwọ onye nwe ya na-abụghị ụgwọ mgbazinye ego na PMI na-arị elu 3% kwa afọ, ọnụ ahịa condo na-arị elu 3% kwa afọ, na ọnụ ahịa ire ere bụ 6% nke ọnụahịa ire ere.
Mgbazinye: $ 127,419 mgbazinye + $ 900 mkpuchi onye na-akwụ ụgwọ = $ 128,319
| Ihe | Ego |
|---|---|
| Ego na mmalite | $ 27,000 |
| Ọnụ ego kwa ọnwa maka ọnwa 60 | $ 180,265 |
| Total akwụ ụgwọ | $ 207,265 |
| Ọnụahịa nke ịzụ ahịa mgbe afọ ise gachara | $ 370,968 |
| Ọnụ ego na-ere ahịa (6%) | - $ 22,258 |
| Mwepu ego ego na-akwụ ụgwọ na ire ere | - $ 286,160 |
| Ego azụ na ire ere | $ 62,550 |
| Ọnụ ego ịzụta ($ 207,265 - $ 62,550) | $ 144,715 |
N'ime afọ ise, mgbazinye ego na-efu $ 16,396 obere. N'ihi gịnị? N'ime afọ ise mbụ, Kwame na Ama na-akwụ $ 121,351 na isi na ọmụrụ nwa, mana $ 103,511 nke ahụ bụ ọmụrụ nwa. Naanị $ 17,840 na-akwụ ụgwọ mgbazinye ego ahụ.
Ọ bụrụ na ọnụ ahịa condo anaghị arị elu ma ọlị, ego a na-ere bụ naanị $ 14,640, na ọnụ ahịa ịzụta na-ebili na $ 192,625. Ọnụ ahịa ụlọ nwere ike ịdị laa ma ọ bụ ọbụna daa. Ọzọkwa, ndị na-akwụ ụgwọ na-edebe $ 27,000 ha ma na-emefu obere kwa ọnwa. Ọ bụrụ na ha echekwa ego ahụ, mgbazinye na-ele anya ka mma na ihe atụ a.
Akụkọ ndị ga-amasị gị: Ihe mere afọ ndị mmadụ ji dị mkpa
Ọnụ ego otu oge nke ịzụta na ire ere na-agbasa n'ime afọ ị nọrọ. Ogologo oge ị nọrọ, ọnụ ahịa ndị a na-ebelata kwa afọ. Ị na-akwụkwa ụgwọ karịa ego kwa afọ. Nke a bụ otu ihe atụ ahụ n'ogologo oge dị iche iche, ma ọ bụrụ na uru condo na-arị elu 3% kwa afọ.
| Afọ | Mgbazinye ego | Ịzụta | Kedu ihe na-efu obere? |
|---|---|---|---|
| 3 | $ 74,722 | $ 99,601 | Mgbazinye, site na $ 24,879 |
| 5 | $ 128,319 | $ 144,715 | Mgbazinye, site na $ 16,396 |
| 7 | $ 185,159 | $ 188,737 | Mgbazinye, site na $ 3,578 |
| 8 | $ 214,856 | $ 210,285 | Ịzụta site na $ 4,571 |
| 10 | $ 276,933 | $ 252,338 | Ịzụta site na $ 24,595 |
N'ihe atụ a, oge ezumike na-abịa n'afọ 8. Site na ọnụahịa dị iche iche, ọnụego, ma ọ bụ ụgwọ, ọ nwere ike ịbịa n'oge na-adịghị anya ma ọ bụ mgbe e mesịrị. Ọ bụrụ na ọnụ ahịa ụlọ ahụ dị larịị, ịzụta na-efu karịa ịgbazite maka afọ iri niile.
Fọdụ ndị nwe ụlọ nwere ike iwepụ mmasị mgbazinye ego na ụtụ isi na nloghachi ụtụ isi gọọmentị etiti ha, mana naanị ma ọ bụrụ na ha na-ewepụ mwepu ego. Ọtụtụ ndị na-ewere mwepu ọkọlọtọ kama, yabụ na ha anaghị enweta ego ụtụ isi ọzọ. Onye ọrụ afọ ofufo ụtụ isi VITA n'efu nwere ike ịgwa gị ihe metụtara gị.
Lee anya
Ngwongwo Ng
- "Ịkwụ ụgwọ ụlọ bụ ịla n'iyi ego." Mgbazinye ego na-akwụ ụgwọ maka ebe obibi na nnwere onwe ịkwaga. N'ime afọ ndị mbụ, ọtụtụ n'ime ụgwọ mgbazinye ego bụ ọmụrụ nwa, nke ị naghị enwetaghachi.
- Mgbazinye ma ọ bụ "mgbazinye-ịzụta" azụmahịa. Ị nwere ike ịkwụ ụgwọ kwa ọnwa iji zụta ụlọ ahụ ma emechaa. Ọ bụrụ na ị na-akwụ ụgwọ ma ọ bụ enweghị ike ịnweta mgbazinye ego n'oge, ị nwere ike tufuo ego ahụ niile. Ụfọdụ n'ime nkwekọrịta ndị a na-emekwa ka ị kwụọ ụgwọ maka nrụzi. Mee ka onye na-ahụ maka ụlọ ma ọ bụ onye ọka iwu nyochaa nkwekọrịta ọ bụla tupu ị bịanye aka. Na DC, ị nwere ike ịkọ nkwekọrịta na-ezighi ezi na Office of Attorney General.
- Ịzụta ụlọ kachasị ọnụ nke onye na-agbazinye ego kwadoro. Nkwenye nke onye na-agbazinye ego abụghị mmefu ego. Jide n'aka na ọnụahịa zuru oke kwa ọnwa ka na-enye gị ohere ịchekwa kwa ọnwa.
- Na-ahapụ akwụkwọ condo Tupu ịzụta condo, jụọ maka mmefu ego nke mkpakọrịta ahụ, ego ya maka nrụzi, na nyocha ọ bụla pụrụ iche.
E wezụga ego, na ndepụta ndepụta nke nkwadebe
Ego abụghị naanị ajụjụ. Chee echiche:
- Mgbanwe: Ndị na-akwụ ụgwọ nwere ike ịkwaga n'ụzọ dị mfe maka ọrụ ọhụrụ ma ọ bụ mkpa ezinụlọ.
- Nkwụsi ike: ndị nwe ụlọ na-achịkwa ụlọ ha ma enweghị ike ịgwa ha ka ha pụọ mgbe mgbazinye ahụ kwụsịrị.
- Njem: ụlọ dị ọnụ ala dị anya site na ọrụ ma ọ bụ Metro nwere ike ịkwụ ụgwọ karịa oge, gas, na ụgwọ.
- Schoolslọ akwụkwọ: na DC na mpaghara ndị dị nso, adreesị gị na-ekpebi ụlọ akwụkwọ ọha na eze gị.
- Oge na ọrụ: ndị nwe ụlọ na-akwụ ụgwọ ma ọ bụ na-akwụ ụgwọ maka nrụzi ọ bụla.
Lelee igbe ọ bụla nke bụ eziokwu maka gị.
- Anyị na-eme atụmatụ ịnọ n'ógbè ahụ ruo ọtụtụ afọ. N'ihe atụ anyị, ịzụta malitere ịkwụ ụgwọ obere naanị n'afọ 8.
- Anyị nwere ego maka ịkwụ ụgwọ, mmechi mmechi, na ịkwaga, anyị ka ga-enwe ego mberede mgbe anyị zụrụ.
- Ego anyị na-enweta na-adịgide adịgide. Ndị na-agbazinye ego na-elekarị afọ abụọ gara aga nke akụkọ ihe mere eme nke ọrụ. Ọ bụrụ na anyị na-arụ ọrụ onwe anyị ma ọ bụ na-akwụ ụgwọ na ego, nloghachi ụtụ isi anyị na-egosi ego ahụ.
- Anyị nyochara akụkọ akwụmụgwọ anyị site na ụlọ ọrụ kredit atọ niile n'efu na AnnualCreditReport.com ma dozie njehie ọ bụla.
- Anyị nwere ike ịkwụ ụgwọ zuru oke kwa ọnwa, ọ bụghị naanị mgbazinye ego, ma ka na-echekwa kwa ọnwa.
- Ụgwọ ụgwọ anyị ndị ọzọ kwa ọnwa dị ala. Lee nkuzi anyị banyere ịzụta mgbazinye ego iji mụta otú ndị na-agbazinye ego si atụle nke a.
- Anyị zutere onye ndụmọdụ ụlọ kwadoro HUD ma ọ bụ were klaasị agụmakwụkwọ ụlọ.
Enweghị nọmba Social Security? Imirikiti mmemme mgbazinye ego ọkọlọtọ, gụnyere mgbazinye ego FHA, chọrọ otu. Kemgbe Mee 2025, mgbazinye ego FHA bụkwa naanị maka ụmụ amaala US, ndị bi na-adịgide adịgide iwu (ndị na-ejide kaadị akwụkwọ ndụ akwụkwọ ndụ), na obere ìgwè ole na ole ndị ọzọ. Ụfọdụ ụlọ akụ, ụlọ ọrụ kredit, na ndị na-agbazinye ego obodo na-enye ndị na-agbazinye ego na ITIN. Onye na-ahụ maka ụlọ nwere ike inyere gị aka ịchọta ha.
Ndụmọdụ
Malite site na onye na-ere ahịa, ọ bụghị onye na-ere ahịa.
Onye ndụmọdụ ụlọ kwadoro HUD na-arụ ọrụ maka ụlọ na-abaghị uru ma ọ bụ ụlọ ọrụ ọha, ọ bụghị maka onye na-agbazinye ego ma ọ bụ onye na-ere ahịa. Onye ndụmọdụ nwere ike ịgafe mmefu ego gị, kredit, na ego gị, ma nwee ike ịgwa gị banyere mmemme ndị na-azụ ahịa oge mbụ na DC, Maryland, ma ọ bụ Virginia. Ọtụtụ mmemme enyemaka ịkwụ ụgwọ chọrọ klaasị agụmakwụkwọ onye na-azụ ụlọ, ndị ndụmọdụ na-akụzikarị otu. Chọọ site na koodu ZIP na onye na-ahụ maka ụlọ CFPB.
Ọ bụrụ na ị tụfuru ụfọdụ igbe na ndepụta ahụ, nke ahụ bụ ihe nkịtị. Jiri afọ gị nke mgbazinye iji chekwaa, wuo kredit gị, ma kwụọ ụgwọ ụgwọ. Mgbe ahụ, lelee ndepụta ahụ ọzọ n'afọ ọzọ.
Key takeaways
- The mortgage payment is only part of the cost. Add property tax, insurance, condo or HOA fees, mortgage insurance, and repairs.
- Buying has large one-time costs, and selling a home costs money too. That is why a short stay usually favors renting.
- In our example, renting cost less for each of the first seven years. Buying cost less only after that, and only because the home's value went up.
- In the first years of a mortgage, most of each payment goes to interest, so you build equity slowly.
- Before you decide, meet with a HUD-approved housing counselor. The help is often free or low cost.
Lelee nghọta gị
Zaa ajụjụ ndị ahụ, wee họrọ Lelee azịza m. Nweta 4 nke ikike 5 iji mezue nkuzi a. Nke a bụ omume: enweghị oge ọ bụla, anyị anaghị edebe azịza gị.
Gaa n'ihu
Ebe nrụọrụ weebụ ndị a tụkwasịrị obi ebe ị nwere ike ịmụtakwu ihe. Njikọ ndị a na-aga na weebụsaịtị ndị ọzọ nke Dollar Scholars anaghị agba ọsọ.
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Ịzụta ụlọ: Ngwá Ọrụ na Ngwá Ọrụ T [mèzi _ mèzi] Site
Ntuziaka nzọụkwụ site na nzọụkwụ iji kwadebe ịzụta, tụnyere onyinye mgbazinye ego, na ịghọta atụmatụ mgbazinye ego gị na akwụkwọ mmechi.
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Chọta onye na-ahụ maka ebe obibi [mèzi _ mèzi] Site
Chọọ site na koodu ZIP maka ndị ndụmọdụ ụlọ kwadoro HUD na-enyere aka ịzụta, ịgbazite, na kredit, na-abụkarị obere ma ọ bụ na-akwụghị ụgwọ.
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Ọnụego ụtụ isi Ngwongwo [mèzi _ mèzi] Site
Ugbu a, ị nwere ike ịtụ ụtụ isi na ụlọ ị na-eche ịzụta.
Ihe mmụta a bụ agụmakwụkwọ ego izugbe, ọ bụghị iwu, ụtụ isi, ma ọ bụ ndụmọdụ ego. Iwu na ego na-agbanwe, yabụ lelee nọmba dị mkpa na isi mmalite gọọmentị.